2010年 Dodd Frank financial crisis bailout regulation 之前，只有付不起20% downpayment 的房贷必须在借款银行建立一个escrow account,
2010后，管理严格了，一般都得有。
The CFPB is issuing a final rule that amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. Regulation Z currently requires creditors to establish escrow accounts for higher-priced mortgage loans secured by a first lien on a principal dwelling.
川普上台后，不喜欢这个Dodd Frank regulation, 去年一句话还把有争议的CFPB 取消了！呵呵，现在是 Deregulation, pro business environment
所以，现在估计银行有自主权可以根据客户具体情况，比如付了多少downpayment, 你的 loan to value ratio, 决定是否必须有escrow account, 还是你自己付地税，这样那笔钱的利息就你自己赚了，而不是银行赚
去商量吧，觉得希望挺大，你要跟他们摆事实讲道理 ～～
